Owning a smartphone in Kenya has become easier thanks to Watu Simu, a service by Watu Credit that allows customers to get the latest Samsung phones on loan and pay conveniently in small daily installments. This service is especially popular among students, small business owners, and individuals who cannot afford to pay the full price upfront.
What is Watu Simu Phones?
Watu Simu is a product of Watu Credit Kenya, a microfinance and a CBK approved digital lender well known for asset financing. Through Watu Simu, customers can acquire Samsung smartphones on a loan basis by paying a deposit and then completing the balance through affordable daily payments via M-Pesa over a 12-month period.
The phones are locked when not paid for, and customers are required to make daily repayments to continue using the devices until the loan is cleared.
Requirements to Get a Watu Simu Phone
To qualify for a Watu Simu smartphone on loan, you need:
- A valid original National ID (must be Kenyan citizen).
- A registered Safaricom line with active M-Pesa services.
- The required deposit amount for your chosen phone.
- To sign a loan agreement with Watu Credit.
- Minimum age: 18 years and above.
Step by Step Procedure to Acquire a Smartphone from Watu Simu
- Visit a Watu Simu agent shop or authorized dealer near you.
- Choose your preferred phone model from the available list.
- Present your National ID and Safaricom line for registration.
- Pay the required deposit for the phone you want.
- Sign the loan agreement and receive the smartphone.
- Start making daily payments via M-Pesa until you finish the loan within 365 days.
How to Unlock / Pay for Watu Simu Phone via M-Pesa
All Watu Simu payments are made through M-Pesa Paybill. If you skip payments, your phone may get locked. To continue using it, follow these steps:
- Go to M-Pesa Menu.
- Select Lipa na M-Pesa.
- Choose Paybill.
- Enter Business Number: 650880.
- Enter Account Number: Your National ID number.
- Enter the amount (daily rate or more).
- Enter your M-Pesa PIN and confirm.
✅ Once payment is received, your phone will unlock automatically.
New Watu Simu Phones on Loan 2025 – Prices, Deposits & Daily Payments
Here are the Samsung smartphones you can get on loan with Watu Simu in 2025:
- Samsung Galaxy A16 (128GB)
- Deposit: KES 7,500
- Daily payments: KES 155
- Duration: 365 days
- Samsung Galaxy A15 (128GB)
- Deposit: KES 7,200
- Daily payments: KES 142
- Duration: 365 days
- Samsung Galaxy A06 (128GB)
- Deposit: KES 4,200
- Daily payments: KES 99
- Duration: 365 days
- Samsung Galaxy A06 (64GB)
- Deposit: KES 3,500
- Daily payments: KES 93
- Duration: 365 days
- Samsung Galaxy A05 (128GB)
- Deposit: KES 4,500
- Daily payments: KES 93
- Duration: 365 days
- Samsung Galaxy A05 (64GB)
- Deposit: KES 3,500
- Daily payments: KES 83
- Duration: 365 days
- Samsung Galaxy A04e (32GB)
- Deposit: KES 3,300
- Daily payments: KES 74
- Duration: 365 days
Customer Support – Watu Credit
For inquiries or assistance, you can contact Watu Credit Kenya:
- 📞 Customer Care Number: +254 709 739 000/790 000 99
- Toll free 0800722245
- 🌐 Website: www.watuafrica.com
- 📍 Visit the nearest Watu agent shop countrywide.
Frequently Asked Questions (FAQ) – Watu Simu Phones
1. What happens if I fail to pay daily?
Your phone will be locked automatically until you clear the missed payments via M-Pesa.
2. Can I pay weekly or monthly instead of daily?
Yes. As long as you clear the daily balance, you can pay in advance (e.g., weekly or monthly lump sums).
3. Can I upgrade my Watu Simu phone later?
Yes, after completing your loan successfully, you can return to Watu agents to upgrade to a new phone model.
4. What if I lose my Watu Simu phone before completing payment?
You are still liable to complete the loan repayments. Consider buying phone insurance if available.
5. Is Watu Simu available countrywide?
Yes, Watu Credit has agents and dealers in all major towns across Kenya.
✅ With Watu Simu phones, you can now own a brand new Samsung smartphone in 2025 without paying the full price upfront. The daily payments are pocket-friendly, and the process is straightforward for anyone with a valid ID and M-Pesa account.